TBC Wins Best Use of Tech in Consumer Lending at 2025 Banking Tech Awards
TBC Bank Georgia was crowned the winner in the Best Use of Tech in Consumer Lending category at this year’s Banking Tech Awards.
TBC Bank received this important industry award for its continued innovation in fast consumer loans, where it has embarked upon a transformative, tech-driven project to enable digital access to unsecured loans in under 5 minutes. The bank leveraged innovations to rebuild its entire lending stack, including an AI income estimation model to provide fair access to previously underserved self-employed and gig-economy customers, a new real-time decision management engine, and UX enhancements such as one-click pre-approved offers.
The project’s impressive results drove the judges’ decision to crown TBC Bank as the category champion, with the share of digital loans rising to 80%, 70% of loans approved and disbursed in under 5 minutes and total market share in retail lending increasing to 36%.
TBC Bank’s recognition by the Banking Tech Awards comes as the bank continues to execute on its retail lending strategy and grow its market share in the consumer lending segment. In addition to its fast consumer lending project, TBC Bank also launched an AI-powered sales agent for consumer loans in July of this year, driving efficiency gains and lowering customer acquisition costs.
Nika Gvaberidze, Retail Lending and Operations Director, TBC Bank: “We are thrilled to receive this award for our continued leadership in retail lending in Georgia. Our fast consumer lending project leveraged cutting-edge technology to make loans easier and more accessible to all, continuing TBC’s long-standing legacy as the leading technological innovator in Georgia’s financial services sector. But we’re not stopping here - we are committed to continuously integrating AI and other new technologies to provide best-in-class services to customers across all our segments”
The Banking Tech Awards by Fintech Futures are a leading industry benchmark, celebrating innovation across the financial services sector and shaping the agenda for the ongoing digital transformation of our industry.
For further enquiries, please contact:
Director of Investor Relations
Andrew Keeley
Or
Head of Investor Relations
Anna Romelashvili
ir@tbcbank.com.ge
About TBC Bank Group PLC (“TBC PLC”)
TBC Bank Group’s mission is to make people’s lives easier by providing digitally-led financial services to retail and corporate customers. TBC Bank Group PLC ("TBC PLC") is a public limited company registered in England and Wales and is the parent company of TBC Bank Georgia and TBC Uzbekistan.
TBC Bank Georgia, together with its subsidiaries, is the leading financial services group in Georgia, with a total market share of 37.2% of customer loans and 37.2% of customer deposits as of 30 September 2025, according to data published by the National Bank of Georgia.
TBC Uzbekistan is the leading digital banking ecosystem in Central Asia with 22 mln unique registered users that includes TBC Bank Uzbekistan, the country’s largest mobile-only bank, Payme, a leading digital payments app for individuals and small businesses, and Payme Nasiya, an instalment credit business.
TBC PLC is listed on the London Stock Exchange under the symbol TBCG and is a constituent of the FTSE 250 Index. It is also a member of the FTSE4Good Index Series and the MSCI United Kingdom Small Cap Index.